LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.


  • Our Benefits Administration division has their own website. Click here if you are looking for the LD&B Benefits Card Login.

Our office will be closed on the following dates:

  • March 30, 2018 – Good Friday – Happy Easter
  • April 20, 2018 – Company Event
  • May 28, 2018 – Memorial Day
  • July 4, 2018 – Independence Day
  • September 3, 2018 – Labor Day

Recent News & Updates

Great Insurance Tips for First Time Home Buyers

Homeowners insurance is not required by law like automobile liability insurance. However, it is required by mortgage companies to protect the lender’s investment. Even if you were able to pay cash for your home, homeowners insurance is an important protection for what is likely your biggest asset. Following are some tips about homeowners insurance for first time home buyers. Get Renters Insurance to Help Lower... Read Article

Is Auto Insurance Tax Deductible? It Depends

Tax deductions are a way to lower your taxable income, so you can decrease the amount of taxes that you owe the government. Thinking about the different IRS-approved deductions as you prepare your tax returns may lead you to wonder: Is auto insurance tax deductible? The answer? It depends on how you use the car and other factors.  Using a car for workBusinesses that own... Read Article

The “Smart” Way to Ensure Fire Safety

The mantra of “stop, drop, and roll” is a familiar drill and phrase we repeat as children, but we rarely talk about it or practice it in adulthood. And while children may learn about fire evacuation plans at school, grown-ups might not remember to actually put them into action. With an average of 358,500 house fires per year, fire safety is something everyone should think... Read Article

What to Know as a First-Time Renter

If you’re moving into a place of your own for the first time, the dos and don’ts of renting can sometimes feel overwhelming. What happens if your fridge breaks? Should you tackle that sink clog or leave it for the landlord? Is renting even the right choice for you? And what about renters insurance tips to make sure all your stuff is protected? While you’ve... Read Article